Make the most of your Firelands Federal Credit Union membership when you open a checking account. Because you have a loan with us, you are already a member! This Skip-A-Pay offer is our way of showing how much we appreciate you.
How It Works
Click the Open Account button below, which will take you to our checking account page on our website. Sign in or register for Online Banking, and add a new checking account to skip your next auto loan payment.* You can also call 419-370-0678 to speak with a representative or visit one of our convenient branch locations. It’s that easy!
Added Bonus
Receive $250 when you add direct deposit to your new checking account.** It’s our way of saying thank you for being a member!
Frequently Asked Questions
Answers to the most common questions about the Skip-A-Payment offer, along with other important information.
How do I sign up for Online Banking?
First-time users can easily sign up for online banking on our website. It’s quick and simple.
Is Firelands Federal Credit Union really going to allow me to skip my next auto loan payment when I open a new checking account?
Yes, after opening a checking account and qualifying for the offer you can skip your next loan payment* as long as your name is on both the auto loan and on the new checking account. You can also qualify to receive $250** after receiving at least one qualifying Direct Deposit of $500 in your new checking account. Since you have a loan with us, you are already a member.
Is there a fee to apply?
No, There is no fee to apply.
Will I receive a debit card?
Yes, providing you request one at the time of account opening, you will receive a debit card for your new checking account within 7-10 business days.
Will this affect my credit?
No. We do not perform a credit check for this promotional offer. The skip-a-payment offer is not considered a late or delinquent payment. You should have no adverse effect on your credit score.
Is my personal information secure?
Firelands Federal Credit Union and our marketing partner take the security of your personal information seriously. Please review our privacy policy on our corporate website for details.
Do you have a branch located near me?
Yes. Our branch locations and hours of operation are listed on our locations page.
How do I apply?
You have 3 options on how to apply.
- Complete the application by clicking on the Open Account button below.
- To speak to a representative, call 419-370-0678, and they can assist you over the phone.
- Or stop by your nearest branch or make an appointment, and one of our representatives can assist you.
Need Further Assistance?
We hope you find our application easy, but we’re happy to help if needed — give us a call at 419-370-0678 or stop by one of our convenient locations, and our representatives will be able to assist you.
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Need to sign up for online banking? Click Here.
Para hablar con uno de nuestros representantes en español por favor llámenos al 800-914-7536.
*A minimum deposit of $50 is required to open a new checking account. Interest and payment protection fees accrue during the Skip-A-Pay period. You can receive only one new checking account related bonus per member and per account. Offer only applies to Skip-A-Pay Program. The normal fee is waived with the Skip-A-Pay offer. Offer subject to payment history, all Firelands Federal Credit Union loans must be current and in good standing. Finance charges and voluntary insurance will continue to accrue during the “no payment” deferral period. The “no payment” deferral period will increase the total finance charges the borrower will pay over the life of the loan. You may not be eligible for this program if you have already done one skip-a-pay or have had a hardship deferral. This offer is not available to existing Firelands Federal Credit Union checking account holders or members whose checking accounts have been closed within 90 days or closed with a negative balance. Account opening is based on approval. Member must sign the skip-a-pay form and agree to the terms and conditions. Member must make regularly scheduled payments until confirmation of the eligibility for skip-a-pay is confirmed, forms have been signed and it has been processed. May take up to 30 days to process.
**To receive the $250 offer, the new checking account must have at least two recurring Direct Deposit of $500 or more within the first 90 days of the new checking account opening AND activate and use the atm/debit card. $250 deposit will be credited to account within 30 days of meeting all requirements. Direct Deposit payments must be made by a payroll provider or government benefit providers using the ACH network. Person-to-person payments (such as Zelle®) are not considered a direct deposit.
IMPORTANT NOTE: You must continue to make your auto loan payment until we confirm your skip-a-pay has been processed. If Firelands Federal Credit Union has set up an automatic payment to your loan, the payment(s) for that month will be deferred. If you have set up a recurring payment through online or mobile banking or through a Bill Payment service, you will need to defer the payment(s) for the month. Offer expires July 7, 2026.